Since 1987, Planners Mortgage has offered California homeowners the best possible value in no points– closing cost rebated fixed rate loans. Our goal is to make the entire lending process clear, fair and completely transparent. Because we do not employ commissioned loan agents, and work statewide from a single location, we are able to offer rates consistently among the lowest in the market.

Points are charges you pay at closing to reduce your interest rate. Rebates are a credit we pay you in escrow to reduce or entirely eliminate your non-recurring closing costs.

We provide a written cost estimate on request, can obtain preliminary approval on most applications in an hour or less, and can normally offer you a rate lock option within 24 hours of application. We do not charge any fees whatsoever prior to offering you the option of locking your rate.

We fully disclose to you in advance our total compensation (including any fees we receive from the lender). Once we disclose our fees, we will never increase them.

Planners Mortgage has been licensed by the California Department of Real Estate (DRE) since 1979. Our California Department of Real Estate license number is 00550047.